Exhibit 99.02 Schedule 3
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 4000097015 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | ||||||||||||||||||||
| 4000103593 | D | A | B | A | A | A | D | A | Closed | FPRO1244 | 2025-12-30 17:49 | 2026-01-18 07:52 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review
provided - Due Diligence Vendor-01/18/2026 Ready for Review-Please see attached. - Due Diligence Vendor-01/16/2026 Counter-The CDA provided shows Not Eligible and has no score because it's not for a SFR but XXXX unit property. Please provide appraisal review product. - Due Diligence Vendor-01/09/2026 Ready for Review-Per UW- A CDA is only required if the SSR score is over 2.5. Please see UW response attached and advise if this condition can be cleared. Thank you - Due Diligence Vendor-01/08/2026 Open-Missing viable CDA/equivalent third party review product. - Due Diligence Vendor-12/30/2025 |
Resolved-Desk review
provided - Due Diligence Vendor-01/18/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000103593 | D | A | B | A | A | A | D | A | Closed | FCRE1182 | 2025-12-23 01:24 | 2025-12-26 11:52 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-12/26/2025 Ready for Review-Please see attached 1008 - Due Diligence Vendor-12/26/2025 Open-1008/Underwriting Summary Not Provided Final 1008 not uploaded with the rest of the document package. Please provide - Due Diligence Vendor-12/23/2025 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-12/26/2025 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000110736 | D | A | D | A | C | A | A | A | Closed | FCOM1207 | 2026-03-24 08:14 | 2026-04-20 16:14 | Resolved | 1 - Information | C | A | Compliance | Closing Package | The Note is Not Executed | Resolved-Document
Uploaded. - Due Diligence
Vendor-04/20/2026 Resolved-The Note is Executed - Due Diligence Vendor-03/26/2026 Ready for Review-copy of signed note and tracking - Due Diligence Vendor-03/25/2026 Counter-Please resend signed note, only tracking received. - Due Diligence Vendor-03/24/2026 Ready for Review-copy of note and tracking - Due Diligence Vendor-03/24/2026 Open-The Note is Not Executed Missing the Signed Note from the Loan file. - Due Diligence Vendor-03/24/2026 |
Resolved-Document
Uploaded. - Due Diligence
Vendor-04/20/2026 Resolved-The Note is Executed - Due Diligence Vendor-03/26/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000110736 | D | A | D | A | C | A | A | A | Closed | FCRE1467 | 2026-02-09 07:46 | 2026-02-20 11:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided
- Due Diligence Vendor-02/20/2026 Ready for Review-asset adt - Due Diligence Vendor-02/19/2026 Open-Asset 1 Missing - Retirement Funds in xxx Retirement Savings and Investment plan. - Due Diligence Vendor-02/09/2026 |
Resolved-Asset 1 Provided
- Due Diligence Vendor-02/20/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000110736 | D | A | D | A | C | A | A | A | Closed | FCRE1362 | 2026-02-09 07:05 | 2026-02-20 11:10 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2
Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-02/20/2026 Ready for Review-paytubs - Due Diligence Vendor-02/19/2026 Open-Borrower 2 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-02/09/2026 |
Resolved-Borrower 2
Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number
of Borrowers equals 2) - Due Diligence Vendor-02/20/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000117484 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-03-09 13:47 | 2026-04-01 09:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-04/01/2026 Ready for Review-Please see attached - Due Diligence Vendor-03/31/2026 Open-The Final 1003 is Missing, 1003 in file is initial only - Due Diligence Vendor-03/14/2026 |
Resolved-The Final 1003
is Present - Due Diligence Vendor-04/01/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000117484 | D | A | D | A | D | A | A | A | Closed | FCRE5790 | 2026-03-13 22:25 | 2026-03-26 16:05 | Resolved | 1 - Information | A | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Apologies, this
condition activated when the gap credit report was rescinded. - Due Diligence
Vendor-03/26/2026 Ready for Review-Hello, it is my understanding that the UDM can be deactivated 10 days prior to NOTE, per the UDM cert form. Note date on this one was xxx, meaning the UDM could’ve been deactivated as early as xxx if you are counting business days and Saturdays. Ours was dated xxx- so this was within the 10-day window. In Encompass for this file the note is dated xxx. Please advise what is needed to sure the open condition. Is this different because of an overlay with this specific loan program/investor? - Due Diligence Vendor-03/26/2026 Rescinded-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Debt monitoring - Due Diligence Vendor-03/14/2026 |
Resolved-Apologies, this
condition activated when the gap credit report was rescinded. - Due Diligence
Vendor-03/26/2026 Rescinded-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Debt monitoring - Due Diligence Vendor-03/14/2026 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | ||||||
| 4000117484 | D | A | D | A | D | A | A | A | Closed | FCRE1748 | 2026-03-11 13:03 | 2026-03-13 22:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved- - Due Diligence
Vendor-03/14/2026 Ready for Review-Please see attached - Due Diligence Vendor-03/13/2026 Open-Certificate of Occupancy is missing - Due Diligence Vendor-03/11/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | ||||||
| 4000108566 | C | A | C | A | A | A | C | A | Closed | FPRO9939 | 2026-03-12 01:56 | 2026-04-06 13:13 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review
provided - Due Diligence Vendor-04/06/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/03/2026 Counter-Apologies for the confusion, per DU #6 Representations and Warranties - Based on the CU results for the appraisal submitted under DocFileID xxx on xxx xxx PM this loan is not eligible for the enforcement relief on representations and warranties related to property value. a Desk review is required. - Due Diligence Vendor-03/19/2026 Ready for Review-Can you please advise where the guidelines show a desk review is required for CU >2.5. Onslow Agency shows we follow Fannie/Freddie. This is not a requirement with either. Thank you - Due Diligence Vendor-03/19/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 999) Loan file shows UCDP/SSR (CU & LCA) with a score of 999. Provide desk review required by guidelines - Due Diligence Vendor-03/12/2026 |
Resolved-desk review
provided - Due Diligence Vendor-04/06/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000108566 | C | A | C | A | A | A | C | A | Closed | FCRE1254 | 2026-03-12 14:26 | 2026-03-17 13:58 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Corrected Title
Policy now reflecting Address as xxx provided - Due Diligence
Vendor-03/17/2026 Ready for Review-Please see attached with correct address listed of xxx. Please advise where it is listed incorrectly. Thank you - Due Diligence Vendor-03/17/2026 Open-Property address listed on title is not correct. Address should be xxx - Due Diligence Vendor-03/12/2026 |
Resolved-Corrected Title
Policy now reflecting Address as
xxx provided - Due Diligence
Vendor-03/17/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000115609 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000118031 | D | A | D | A | D | A | A | A | Closed | FCRE1192 | 2026-03-26 09:44 | 2026-04-24 10:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Resolved-Audited Reserves
of 33.74 are greater than or equal to AUS Required Reserves of 6 - Due
Diligence Vendor-04/24/2026 Ready for Review-assets/ heloc documents - Due Diligence Vendor-04/23/2026 Counter-Missing documentation for the xxx HELOC on primary that was done and escrow held the funds for this transaction as stated in this Condition. - Due Diligence Vendor-04/16/2026 Ready for Review-UW LOE breakdown of assets - Due Diligence Vendor-04/15/2026 Counter-Audited Assets total xxx Sale of Vacant Land xxx/ xxx , xxx,xxx & xxx ,xxx, xxx which supports the Assets listed on DU / CTC xxx / 6 months reserves xxx = Reserves are short by -xxx - Due Diligence Vendor-04/03/2026 Ready for Review-lox from UW - Due Diligence Vendor-04/02/2026 Open-Audited Reserves of 3.44 are less than AUS Required Reserves of 6 Final CD reflects CTC xxx - 6 Months reserves xxx - verified Assets xxx - Short reserves by -xxx - Due Diligence Vendor-03/30/2026 Open-Document Uploaded. - Due Diligence Vendor-03/26/2026 Open-Audited Reserves of 3.44 are less than AUS Required Reserves of 6 Lender provided additional xxx however this is not listed on DU - Due Diligence Vendor-03/26/2026 |
Resolved-Audited Reserves
of 33.74 are greater than or equal to AUS Required Reserves of 6 - Due
Diligence Vendor-04/24/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000118031 | D | A | D | A | D | A | A | A | Closed | FCRE1467 | 2026-03-18 11:21 | 2026-04-24 10:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided
- Due Diligence Vendor-03/26/2026 Ready for Review-assets - Due Diligence Vendor-03/25/2026 Open-Asset 1 Missing Per AUS page 645- Casefile ID xxx Recommendation- Submission number 10 dated xxx section 34- Provide missing proof of xxx secured borrowed funds used to close. - Due Diligence Vendor-03/18/2026 |
Resolved-Asset 1 Provided
- Due Diligence Vendor-03/26/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000118031 | D | A | D | A | D | A | A | A | Closed | FCOM1232 | 2026-03-18 10:25 | 2026-03-31 08:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-03/31/2026 Ready for Review-1003 - Due Diligence Vendor-03/30/2026 Open-The Final 1003 is Missing Provide The Final 1003 missing for B1 and B2 - Due Diligence Vendor-03/18/2026 |
Resolved-The Final 1003
is Present - Due Diligence Vendor-03/31/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000118031 | D | A | D | A | D | A | A | A | Closed | FCOM1544 | 2026-03-18 18:09 | 2026-03-30 09:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final
Closing Disclosure or Final Settlement Statement Provided - Due Diligence
Vendor-03/30/2026 Ready for Review-signed final cd - Due Diligence Vendor-03/25/2026 Open-TRID: Missing Final Closing Disclosure Provide missing executed Final CD for subject property- page 96 document is not signed by either borrower. - Due Diligence Vendor-03/18/2026 |
Resolved-TRID: Final
Closing Disclosure or Final Settlement Statement Provided - Due Diligence
Vendor-03/30/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000117751 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000116760 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-03-23 13:28 | 2026-04-13 13:23 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review
provided. - Due Diligence
Vendor-04/13/2026 Ready for Review-CDA - Due Diligence Vendor-04/13/2026 Open-CU score xxx, LCA not eligible. Provide 3rd Party Valuation Product. - Due Diligence Vendor-03/23/2026 |
Resolved-Desk review
provided. - Due Diligence
Vendor-04/13/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000117739 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000117954 | D | A | D | A | A | A | A | A | Closed | FCRE1377 | 2026-03-25 07:45 | 2026-04-09 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Borrower 3 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 4) - Due Diligence Vendor-04/09/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/09/2026 Open-Borrower 3 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/25/2026 |
Resolved-Borrower 3 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 4) - Due Diligence Vendor-04/09/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000115916 | C | A | C | A | A | A | A | A | Closed | FCRE1168 | 2026-03-26 14:12 | 2026-04-06 12:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance
Coverage Amount of xxx is equal to or greater than the Subject Lien or
replacement cost value of xxx - Due Diligence Vendor-04/06/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/03/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx At time of review based on information on page 212 there is not enough coverage to meet minimum requirements. There was no addition coverage provided at time of review. - Due Diligence Vendor-03/26/2026 |
Resolved-Hazard Insurance
Coverage Amount of xxx is equal to or greater than the Subject Lien or
replacement cost value of xxx- Due Diligence Vendor-04/06/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000116190 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-03-25 08:42 | 2026-04-14 08:25 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-04/14/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/10/2026 Open-The Final 1003 is Missing Please provide final 1003 with both client's information. Only initial 1003 uploaded with loan file. Thank you! - Due Diligence Vendor-03/25/2026 |
Resolved-The Final 1003
is Present - Due Diligence Vendor-04/14/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000116190 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-03-26 13:06 | 2026-04-03 13:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation
provided is sufficient - Due Diligence Vendor-04/03/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/02/2026 Counter-**Received duplicate copy of the unexecuted CD issued xxx. Lender to provide a copy of the CD executed at closing for review and to complete compliance testing. - Due Diligence Vendor-04/01/2026 Ready for Review-Please see CD sent in original package on page 66 for review. Please advise if this will be enough to cure the open CD condition. Thank you - Due Diligence Vendor-03/30/2026 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/26/2026 |
Resolved-Documentation
provided is sufficient - Due Diligence Vendor-04/03/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120357 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000120358 | D | A | D | A | A | A | A | A | Closed | FCRE1186 | 2026-03-26 14:52 | 2026-04-24 09:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of
49.03% is less than or equal to AUS DTI of 49.35% - Due Diligence Vendor-04/24/2026 Ready for Review-Please see attached signed CD for xxx - Due Diligence Vendor-04/23/2026 Counter-Condition is requesting the Signed Final CD, Note signed and dated on xxx - a Final CD is needed to confirm debts were PIF at closing. - Due Diligence Vendor-04/21/2026 Ready for Review-Please see attached. CD, 1st payment letter, tax cert, Note, and HOI for xxx. - Due Diligence Vendor-04/21/2026 Counter-Please provide Signed Final CD for the xxx to confirm debts were paid off at closing. - Due Diligence Vendor-04/14/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/13/2026 Open-Need settlement statement/CD from xxx to show what accounts were paid off through that transaction to eliminate debts to xxx, xxx loan, xxx. - Due Diligence Vendor-04/03/2026 Open-Audited DTI of 55.06% exceeds AUS DTI of 49.35% - Due Diligence Vendor-03/26/2026 |
Resolved-Audited DTI of
49.03% is less than or equal to AUS DTI of 49.35% - Due Diligence Vendor-04/24/2026 |
xxx | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000120358 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-03-26 19:38 | 2026-04-21 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First Payment
letter and CD (escrowed) provided on newly closed loan. - Due Diligence Vendor-04/21/2026 Ready for Review-Please see attached. There is no mtg statement yet, as it just closed. Thank you - Due Diligence Vendor-04/20/2026 Counter-Missing First Payment letter, Note, Tax Cert and HOI Policy to verify full PITIA for xxx - Due Diligence Vendor-04/06/2026 Ready for Review-Please see attached. This is a cash out refi. Borrowers are also refinancing xxx. - Due Diligence Vendor-04/03/2026 Open-Mortgage statement missing for xxx - Due Diligence Vendor-03/26/2026 |
Resolved-First Payment
letter and CD (escrowed) provided on newly closed loan. - Due Diligence Vendor-04/21/2026 |
xxx | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000115051 | D | A | A | A | D | A | A | A | Closed | FCOM8891 | 2026-03-30 11:41 | 2026-04-06 13:07 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-04/06/2026 Ready for Review-final cd - Due Diligence Vendor-04/03/2026 Open-******Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-03/30/2026 |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-04/06/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000115051 | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2026-03-26 07:40 | 2026-04-06 07:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-04/06/2026 Ready for Review-final cd - Due Diligence Vendor-04/03/2026 Open-TRID: Missing Final Closing Disclosure Provide Final CD for the Subject Property Located at the xxx. - Due Diligence Vendor-03/26/2026 |
Resolved-TRID: Final
Closing Disclosure Provided - Due Diligence Vendor-04/06/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000115723 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000119195 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | FPRO1244 | 2026-04-13 08:42 | 2026-05-13 15:50 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document
Uploaded. - Due Diligence
Vendor-05/13/2026 Resolved-Desk review received and value is within -10.0% of the OA value. - Due Diligence Vendor-05/13/2026 Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-04/13/2026 |
Resolved-Document
Uploaded. - Due Diligence
Vendor-05/13/2026 Resolved-Desk review received and value is within -10.0% of the OA value. - Due Diligence Vendor-05/13/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3367 | 2026-03-30 12:23 | 2026-05-06 16:36 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Documentation
provided is sufficient - Due Diligence Vendor-05/06/2026 Counter-Documentation provided is sufficient - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx ----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Counter-xxxLoan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the XXXX application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( 12 CFR §1024.20(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 |
Resolved-Documentation
provided is sufficient - Due Diligence Vendor-05/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3631 | 2026-03-30 12:23 | 2026-05-06 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 Counter-ILE and Locked LE_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx ----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Counter-xxx Loan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the xxx application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 |
Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3632 | 2026-03-30 12:23 | 2026-05-06 16:34 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 Counter-ILE and Locked LE_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx ----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Ready for Review-see attached - Due Diligence Vendor-04/29/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Counter-xxx Loan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the xxx application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 |
Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3515 | 2026-03-30 12:23 | 2026-05-06 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 Counter-ILE and Locked LE_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Counter-xxx Loan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the xxx application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 |
Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3634 | 2026-03-30 12:23 | 2026-05-06 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 Counter-ILE and Locked LE_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx ----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Counter-xxxLoan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the xxx application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 |
Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3635 | 2026-03-30 12:23 | 2026-05-06 16:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 Counter-ILE and Locked LE_ received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter- - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx ----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Counter-xxx Loan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the xxx application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($180.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 |
Resolved-ILE and Locked
LE_ received, data entered, no additional compliance findings. Thank you -
Due Diligence Vendor-05/06/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||||
| 4000113896 | D | A | A | A | C | A | D | A | Closed | finding-3939 | 2026-03-27 14:31 | 2026-05-06 16:26 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence
Vendor-05/06/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2026 Counter-**** Lender provided Loan Estimate dated xxx ----- Loan Estimate dated xxx is still required. A Compliance report cannot be processed until the requested material document(s) and all issued TRID disclosures, are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2026 Counter-****Received Initial Package issued xxx than includes the initial loan estimate. However the disclosure is missing pages. Lender to provide copy with all pages. - Due Diligence Vendor-04/29/2026 Ready for Review-see attached - Due Diligence Vendor-04/27/2026 Counter-***Documents in the original file, including the lender's Loan Detail Report, indicate the lender's application date is xxx. We are missing the required initial disclosure that includes the Initial Loan Estimate issued within 3 business days of the application date. The xxx Loan Estimate was issued more than 3 business days from xxx. - Due Diligence Vendor-04/09/2026 Ready for Review-borrower pulled credit himself on XXXX - Due Diligence Vendor-04/08/2026 Counter-xxx Loan Estimate provided is not what is missing ----- File documentation Indicates an Application date of xxx and a Rate Lock date of xxx. TPR has not been provided any of the Initial Disclosures issued within 3 days of the xxx application date. Without the Initial LE issued within 3 days of application, TPR is unable to determine if the ILE was Initial & Locked ... or if we are missing both the Initial Disclosure issued within 3 days of application and a locked loan estimate issued within 3 days of Lock. ----- Please provided ALL initial disclosures issued within 3 days of the xxx application date. And, if the Initial Loan Estimate contained in those initial disclosure is not Lock indicated, we will also require a Locked Revised Loan Estimate issued within 3 days of the xxx Lock date. Thank you - Due Diligence Vendor-04/02/2026 Ready for Review-see attached. - Due Diligence Vendor-04/01/2026 Open-"******• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/30/2026 Open- - Due Diligence Vendor-03/27/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx. - Due Diligence Vendor-03/27/2026 Open- - Due Diligence Vendor-03/27/2026 |
Resolved- - Due Diligence
Vendor-05/06/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000121278 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121327 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121364 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | |||||||||||||||||||
| 4000114447 | C | A | A | A | A | A | C | A | Closed | FPRO9736 | 2026-04-01 08:22 | 2026-04-08 11:10 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-per Onslow
Guides: The Seller may utilize a Submission Summary Report as a secondary
valuation if the score is <=2.5.
File must include a copy of the Submission Summary Report that
coincides with the corresponding AUS utilized to underwrite the file. AUS in
file states Representation & Warranty Relief COLLATERAL - ELIGIBLE - LCA
score is a 1 Eligible - Due Diligence
Vendor-04/08/2026 Ready for Review-please see attached - Due Diligence Vendor-04/07/2026 Counter-Apologies for the confusion, the LCA (UCDP) states Value as xxx Provide valuation product that supports the primary appraised value xxx - Due Diligence Vendor-04/03/2026 Ready for Review-please advise what is being requested. secondary valuation is not required per guidelines. please also explain what is meant by 'Fannie and Freddie provided are both greater than the original appraised value by -11.11%' - Due Diligence Vendor-04/02/2026 Open-Fannie and Freddie provided are both greater than the original appraised value by -11.11%. Provide valuation product that supports the primary appraised value. - Due Diligence Vendor-04/01/2026 |
Resolved-per Onslow
Guides: The Seller may utilize a Submission Summary Report as a secondary
valuation if the score is <=2.5.
File must include a copy of the Submission Summary Report that
coincides with the corresponding AUS utilized to underwrite the file. AUS in
file states Representation & Warranty Relief COLLATERAL - ELIGIBLE - LCA
score is a 1 Eligible - Due Diligence
Vendor-04/08/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | XXXX | |||||
| 4000121138 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122502 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000119501 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121483 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000105898 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-04-01 21:56 | 2026-04-06 13:56 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has
been provided - Due Diligence Vendor-04/06/2026 Ready for Review-Appraisal - Due Diligence Vendor-04/03/2026 Open-Appraisal is Missing in the file, however 1004D provided page no #40-54 - Due Diligence Vendor-04/02/2026 |
Resolved-Appraisal has
been provided - Due Diligence Vendor-04/06/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120955 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-04-03 03:16 | 2026-04-10 11:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO document
provided - Due Diligence Vendor-04/10/2026 Ready for Review-I was able to locate e4vidence of PITI for xxx in the e-folder. It looks like we refinanced xxx simultaneously. I've attached the tax/ins info and the new CD from the refi. - Due Diligence Vendor-04/09/2026 Open-Missing Mortgage Statement for xxx - Due Diligence Vendor-04/03/2026 |
Resolved-REO document
provided - Due Diligence Vendor-04/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120955 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2026-04-03 03:13 | 2026-04-10 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-REO document
provided - Due Diligence Vendor-04/10/2026 Ready for Review-Please see attached lease for xxx attached comparable rent schedule. No lease agreement. - Due Diligence Vendor-04/09/2026 Counter-Missing lease agreement for xxx - Due Diligence Vendor-04/08/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/07/2026 Open-Missing Lease Agreement for xxx - Due Diligence Vendor-04/03/2026 |
Resolved-REO document
provided - Due Diligence Vendor-04/10/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120955 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-04-03 03:15 | 2026-04-08 12:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents
provided - Due Diligence Vendor-04/08/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/07/2026 Open-Missing tax, Insurance, and HOA For xxx ,xxx ,xxx - Due Diligence Vendor-04/03/2026 |
Resolved-REO documents
provided - Due Diligence Vendor-04/08/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000118631 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122925 | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2026-04-03 12:39 | 2026-04-24 15:37 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-***Received cure
package - Due Diligence Vendor-04/24/2026 Resolved-***Received cure package - Due Diligence Vendor-04/24/2026 Counter- - Due Diligence Vendor-04/24/2026 Counter-Documentation support the Condo Fee increase is due to a higher invoice. This is not a Valid Change of Circumstance event, an increased invoiced amount is a "curable" event. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/07/2026 Ready for Review-COC - Due Diligence Vendor-04/06/2026 Open-The following charges have increased: Condo Cert Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Cured-***Received cure
package - Due Diligence Vendor-04/24/2026 Resolved-***Received cure package - Due Diligence Vendor-04/24/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000122925 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-04-03 12:39 | 2026-04-24 15:35 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-***Received cure
package - Due Diligence Vendor-04/24/2026 Resolved-***Received cure package - Due Diligence Vendor-04/24/2026 Counter- - Due Diligence Vendor-04/24/2026 Counter-Documentation support the Condo Fee increase is due to a higher invoice. This is not a Valid Change of Circumstance event, an increased invoiced amount is a "curable" event. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/07/2026 Ready for Review-COC - Due Diligence Vendor-04/06/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 Open-The following charges have increased: Condo Cert Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Cured-***Received cure
package - Due Diligence Vendor-04/24/2026 Resolved-***Received cure package - Due Diligence Vendor-04/24/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000122925 | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2026-04-03 12:39 | 2026-04-24 15:31 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-***Received cure
package - Due Diligence Vendor-04/24/2026 Resolved- - Due Diligence Vendor-04/24/2026 Ready for Review-PCCD LOE Shipping Label Refund Check - Due Diligence Vendor-04/23/2026 Counter-Documentation support the Condo Fee increase is due to a higher invoice. This is not a Valid Change of Circumstance event, an increased invoiced amount is a "curable" event. 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 Open- - Due Diligence Vendor-04/07/2026 Ready for Review-COC - Due Diligence Vendor-04/06/2026 Open-The following charges have increased: Condo Cert Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/06/2026 Open- - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 Open- - Due Diligence Vendor-04/03/2026 |
Resolved-***Received cure
package - Due Diligence Vendor-04/24/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000122925 | C | B | A | A | C | B | A | A | Closed | FCOM8891 | 2026-04-06 07:38 | 2026-04-07 10:41 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Other Compliance | Resolved-MI cert provided,
thank you - Due Diligence Vendor-04/07/2026 Ready for Review-MI Cert - Due Diligence Vendor-04/06/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing - Due Diligence Vendor-04/06/2026 |
Resolved-MI cert
provided, thank you - Due Diligence Vendor-04/07/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000118758 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000117626 | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2026-04-07 21:15 | 2026-04-23 13:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The note is now
present. No further issues. - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Note uploaded. - Due Diligence Vendor-04/23/2026 Counter-the condition is for Missing the Signed Note at closing for the subject Loan. - Due Diligence Vendor-04/20/2026 Ready for Review-Original Note Tracking - Due Diligence Vendor-04/16/2026 Open-The Note is Missing - Due Diligence Vendor-04/08/2026 |
Resolved-The note is now
present. No further issues. - Due Diligence Vendor-04/23/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000121179 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120174 | D | A | D | A | A | A | C | A | Closed | FPRO9939 | 2026-04-08 14:11 | 2026-04-16 14:25 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review
provided - Due Diligence
Vendor-04/16/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/15/2026 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.4) Required AVM or desk review - Due Diligence Vendor-04/08/2026 |
Resolved-Desk review
provided - Due Diligence
Vendor-04/16/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120174 | D | A | D | A | A | A | C | A | Closed | FCRE6914 | 2026-04-08 10:34 | 2026-04-13 10:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-DL provided - Due
Diligence Vendor-04/13/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/10/2026 Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-04/08/2026 |
Resolved-DL provided -
Due Diligence Vendor-04/13/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120174 | D | A | D | A | A | A | C | A | Closed | FCRE6019 | 2026-04-08 10:34 | 2026-04-13 10:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-DL provided - Due
Diligence Vendor-04/13/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/10/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-04/08/2026 |
Resolved-DL provided -
Due Diligence Vendor-04/13/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120174 | D | A | D | A | A | A | C | A | Closed | FCRE1182 | 2026-04-08 14:11 | 2026-04-13 10:50 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-04/13/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/10/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/08/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-04/13/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000118132 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-04-08 04:15 | 2026-04-17 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First Payment
Letter (escrowed) provided - Due Diligence Vendor-04/17/2026 Ready for Review-First payment letter - Due Diligence Vendor-04/16/2026 Open-Missing proof of PITI(a) for primary home xxx. It had Simultaneous Closing with subject loan. - Provide Note, first payment letter or CD from refinance with loan amount xxx - Due Diligence Vendor-04/08/2026 |
Resolved-First Payment
Letter (escrowed) provided - Due Diligence Vendor-04/17/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.18 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 45.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | ||||
| 4000118132 | D | A | D | A | A | A | A | A | Closed | FCRE1186 | 2026-04-08 13:18 | 2026-04-08 13:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Error - Due
Diligence Vendor-04/08/2026 Resolved-Audited DTI of 48.75% is less than or equal to AUS DTI of 48.75% - Due Diligence Vendor-04/08/2026 Open-Audited DTI of 48.76% exceeds AUS DTI of 48.75% verified - Due Diligence Vendor-04/08/2026 |
Resolved-Error - Due
Diligence Vendor-04/08/2026 Resolved-Audited DTI of 48.75% is less than or equal to AUS DTI of 48.75% - Due Diligence Vendor-04/08/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.18 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 45.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000121178 | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2026-04-09 13:35 | 2026-04-23 11:36 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review
provided - Due Diligence
Vendor-04/23/2026 Ready for Review-Please see attached - Due Diligence Vendor-04/22/2026 Counter-Document Uploaded. Per Guidelines: Appraisal Review Based on Loan Amt: <=$XXXXmm 1 Appraisal + CDA, is required. - Due Diligence Vendor-04/16/2026 Ready for Review-Good afternoon, this appraisal type 1025 2–4-unit property is UAD compliant so there is no scoring on these types of appraisals. Please advise what is needed to cure this condition. - Due Diligence Vendor-04/15/2026 Open-LCA score is 0, CU not provided. Provide 3rd party valuation. - Due Diligence Vendor-04/09/2026 |
Resolved-desk review
provided - Due Diligence
Vendor-04/23/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000118369 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000117363 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120353 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120470 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122552 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000121254 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120956 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121031 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-04-09 10:39 | 2026-04-13 13:38 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-04/13/2026 Ready for Review-Property replacement Cost Estimator Provided - Due Diligence Vendor-04/13/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxis less than the minimum required coverage amount of xxx - Due Diligence Vendor-04/09/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-04/13/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX | |||||
| 4000119757 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120962 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120609 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121146 | D | A | C | A | A | A | D | A | Closed | FPRO1244 | 2026-04-14 14:49 | 2026-05-01 13:07 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided -
Due Diligence Vendor-05/01/2026 Ready for Review-CDA - Due Diligence Vendor-04/30/2026 Open-CU and LCA scores are greater than 2.5. Provide 3rd party valuation - Due Diligence Vendor-04/14/2026 |
Resolved-CDA provided -
Due Diligence Vendor-05/01/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000121146 | D | A | C | A | A | A | D | A | Closed | FCRE1167 | 2026-04-14 01:41 | 2026-04-20 12:03 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-04/20/2026 Ready for Review-Statement from Insurance agent regarding the replacement cost estimator. - Due Diligence Vendor-04/17/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx- Due Diligence Vendor-04/14/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-04/20/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120342 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000118360 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000118950 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000115479 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000120595 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121164 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000123767 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000123955 | D | A | D | A | A | A | A | A | Closed | FCRE1184 | 2026-04-20 16:28 | 2026-04-22 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings
Report is fully present - Due Diligence Vendor-04/22/2026 Ready for Review-AUS - Due Diligence Vendor-04/21/2026 Open-Missing AUS Findings Report Audit unable to locate AUS - Due Diligence Vendor-04/20/2026 |
Resolved-AUS Findings
Report is fully present - Due Diligence Vendor-04/22/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000120829 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122215 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121463 | C | B | A | A | C | B | A | A | Closed | finding-3652 | 2026-04-21 05:05 | 2026-05-06 13:24 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-***Received cure
package - Due Diligence Vendor-05/01/2026 Resolved-***Received cure package - Due Diligence Vendor-05/01/2026 Ready for Review-Cure docs - Due Diligence Vendor-04/30/2026 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Cured-***Received cure
package - Due Diligence Vendor-05/01/2026 Resolved-***Received cure package - Due Diligence Vendor-05/01/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000124669 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122128 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122178 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121655 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120828 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000125372 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000120849 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000121477 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | |||||||||||||||||||
| 4000125694 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000122691 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2026-04-28 23:47 | 2026-05-04 12:19 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-05/04/2026 Ready for Review-Please see attached. - Due Diligence Vendor-05/01/2026 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/29/2026 |
Resolved-1008/Underwriting
Summary is fully present - Due Diligence Vendor-05/04/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000122691 | D | A | D | A | A | A | A | A | Closed | FCRE1184 | 2026-04-28 23:47 | 2026-05-04 12:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings
Report is fully present - Due Diligence Vendor-05/04/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/01/2026 Open-Missing AUS Findings Report - Due Diligence Vendor-04/29/2026 |
Resolved-AUS Findings
Report is fully present - Due Diligence Vendor-05/04/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000117775 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor GSE Temporary (GSE SH) | QM: Safe Harbor GSE Temporary (GSE SH) | xxx | xxx | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000125590 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | |||||||||||||||||||
| 4000123013 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000123145 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-05-01 09:49 | 2026-05-07 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-Please see the Credit Report for B1 and B2 on page 233-251 of the package sent. Please advise if anything else is required to cure the conditions. Thank you - Due Diligence Vendor-05/06/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2026 |
Resolved-Borrower 1 Gap
Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | ||||||
| 4000123145 | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2026-05-01 09:49 | 2026-05-07 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap
Credit Report is not missing. - Due Diligence Vendor-05/07/2026 Ready for Review-Please see the Credit Report for B1 and B2 on page 233-251 of the package sent. Please advise if anything else is required to cure the conditions. Thank you - Due Diligence Vendor-05/06/2026 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2026 |
Resolved-Borrower 2 Gap
Credit Report is not missing. - Due Diligence Vendor-05/07/2026 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | ||||||
| 4000128165 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000124420 | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2026-05-06 06:43 | 2026-05-13 10:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is
Present - Due Diligence Vendor-05/13/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/12/2026 Open-The Final 1003 is Missing - Due Diligence Vendor-05/06/2026 |
Resolved-The Final 1003
is Present - Due Diligence Vendor-05/13/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000123264 | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2026-05-06 02:08 | 2026-05-14 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided
- Due Diligence Vendor-05/14/2026 Ready for Review-xxx Statement - Due Diligence Vendor-05/14/2026 Counter-Provide asset statement under borrower's name. Statement provided is under xxx and they are not on application/loan. - Due Diligence Vendor-05/08/2026 Ready for Review-xxx Bank Statement - Due Diligence Vendor-05/07/2026 Open-Asset 1 Missing XXXX account ending with xxx bank statement is missing in the file. - Due Diligence Vendor-05/06/2026 |
Resolved-Asset 1 Provided
- Due Diligence Vendor-05/14/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000127048 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000126023 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | |||||||||||||||||||
| 4000124328 | C | A | A | A | A | A | C | A | Closed | FPRO5405 | 2026-05-12 08:22 | 2026-05-19 21:49 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-Desk review
provided. - Due Diligence
Vendor-05/20/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/19/2026 |
FHLMC Collateral Rep &
Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation
Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not
Eligible). Please provide a desk
review that supports the appraised value within a 10% variance. - 05/14/2026
|
Resolved-Desk review
provided. - Due Diligence
Vendor-05/20/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | ||||
| 4000128961 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000126227 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000126730 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000125846 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | XXXX | |||||||||||||||||||
| 4000124088 | D | A | D | A | A | A | A | A | Closed | FVAL1310 | 2026-05-11 23:25 | 2026-05-18 10:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire
is Provided - Due Diligence Vendor-05/18/2026 Resolved-FIMC warranty page 141 - Due Diligence Vendor-05/18/2026 Ready for Review-Good afternoon, Please clarify what is needed to cure the open condition. From our understanding There should not be a condo questionnaire required for this file. The project is approved by xxx, and they only require the master insurance policy. - Due Diligence Vendor-05/15/2026 Open-HOA Questionnaire Document status is Missing. HOA Questionnaire document status is currently missing. - Due Diligence Vendor-05/12/2026 |
Resolved-HOA
Questionnaire is Provided - Due Diligence Vendor-05/18/2026 Resolved-FIMC warranty page 141 - Due Diligence Vendor-05/18/2026 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | ||||||
| 4000125664 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000129421 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000126502 | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2026-05-13 15:21 | 2026-05-19 14:29 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-**Received ICD -
Due Diligence Vendor-05/19/2026 Resolved- - Due Diligence Vendor-05/19/2026 Ready for Review-Please see attached - Due Diligence Vendor-05/18/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. ~~~should be dated xxx - Due Diligence Vendor-05/15/2026 Resolved- - Due Diligence Vendor-05/15/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/14/2026 Open- - Due Diligence Vendor-05/13/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/13/2026 Open- - Due Diligence Vendor-05/13/2026 |
Resolved-**Received ICD -
Due Diligence Vendor-05/19/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000125063 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000124777 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-05-14 00:02 | 2026-05-21 11:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-05/21/2026 Ready for Review-RCE - Due Diligence Vendor-05/21/2026 Counter-Missing replacement cost estimate (RCE) to support replacement amount. - Due Diligence Vendor-05/20/2026 Ready for Review-Dec page reflects replacement cost under the remarks section on the dec page. Uploaded with investor upload. I've also attached for your review. - Due Diligence Vendor-05/19/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-05/14/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-05/21/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000125579 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000125918 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000128335 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | XXXX | |||||||||||||||||||
| 4000127025 | C | A | A | A | C | A | A | A | Closed | FCOM2276 | 2026-05-26 10:57 | 2026-06-02 10:59 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-***Received PCCD
- Due Diligence Vendor-06/02/2026 Ready for Review-PCCD - Due Diligence Vendor-06/01/2026 Counter-***Received duplicate copy of the final CD. Finding remains unresolved. The Final CD's disbursement date is prior to the closing date of xxx. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/29/2026 Ready for Review-Final CD - Due Diligence Vendor-05/28/2026 Open-******* Borrower executed documents on xxx. After Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/26/2026 |
Resolved-***Received PCCD
- Due Diligence Vendor-06/02/2026 |
Low Credit Usage Ratio Of
Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five
Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.5 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | ||||
| 4000129370 | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2026-05-26 09:43 | 2026-05-29 10:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert
Provided - Due Diligence Vendor-05/29/2026 Ready for Review-tax - Due Diligence Vendor-05/28/2026 Open-Missing Property Tax Cert - Due Diligence Vendor-05/26/2026 |
Resolved-Property Tax
Cert Provided - Due Diligence Vendor-05/29/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000128547 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | XXXX | |||||||||||||||||||
| 4000129072 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2026-05-28 05:00 | 2026-06-02 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First payment
Letter (escrowed) provided for xxx, - Due Diligence Vendor-06/02/2026 Ready for Review-First payment letter for xxx. - Due Diligence Vendor-06/01/2026 Open-Mortgage Statement(s) Missing OF Property xxx ,xxx, So updated primary housing expenses from 1003. - Due Diligence Vendor-05/28/2026 |
Resolved-First payment
Letter (escrowed) provided for xxx ,xxx, - Due Diligence Vendor-06/02/2026 |
xxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000126032 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | XXXX | |||||||||||||||||||
| 4000128304 | C | A | C | A | A | A | A | A | Closed | FCRE1167 | 2026-05-28 03:21 | 2026-06-02 13:36 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-06/02/2026 Ready for Review-Please see attached rebuttal for review. Please advise if anything else is needed to cure the open condition. - Due Diligence Vendor-06/01/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx Policy has dwelling coverage of xxx which does not cover the entire loan amount. "Extended coverage" was listed on HOI but whether that increases the dwelling coverage to the xxx needed is not shown. Please provide HOI policy that shows coverage IAO xxx. - Due Diligence Vendor-05/29/2026 |
Resolved-Sufficent Hazard
Insurance Coverage is provided - Due Diligence Vendor-06/02/2026 |
xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | XXXX | |||||
| 4000129546 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxx | xxx | Second Home | Purchase | NA |